Unpaid Loss and Loss Adjustment Expense (Tables)

6 Months Ended

Jun. 30, 2021

Activity in the liability for unpaid loss and LAE

The following table presents the activity in the liability for unpaid loss and loss adjustment expense ("LAE") for the six months ended June 30, 2021 and 2020 ($ in millions):


	Six Months Ended June 30,
	2021		2020
Unpaid loss and LAE at beginning of period	$	46.3	$	28.2
Less: Reinsurance recoverable at beginning of period (1)	36.3		18.5
Net unpaid loss and LAE at beginning of period	10.0		9.7
Add: Incurred loss and LAE, net of reinsurance, related to:
Current year	29.9		33.5
Prior years	(0.4)		5.2
Total incurred	29.5		38.7
Deduct: Paid loss and LAE, net of reinsurance, related to:
Current year	19.0		24.4
Prior years	5.5		13.2
Total paid	24.5		37.6
Unpaid loss and LAE, net of reinsurance recoverable, at end of period	15.0		10.8
Reinsurance recoverable at end of period (1)	49.7		24.5
Unpaid loss and LAE, gross of reinsurance recoverable, at end of period	$	64.7	$	35.3

(1) Reinsurance recoverable in this table includes only ceded unpaid loss and LAE